Recently, some netizens broke the news that tesla Model Y premiums rose, the insurance fee on the 23rd was 8278 yuan, and after the implementation of the new policy on the 27th, the premium of the same car rose to 14902 yuan, an increase of 80%. Subsequently, the netizen said that he consulted a friend of the insurance company, saying that the Tesla claim rate and the amount of the claim were too high, reaching 1:1.4, that is to say, charging 1 yuan of premium, to lose 1.4 yuan. For insurance companies, this is obviously a loss-making business, so there is a phenomenon of rising premiums.
However, the news was quickly denied by other Tesla owners, who found that their premiums were not as exaggerated as the bloggers said. Some car owners also said that their premiums have indeed risen sharply.
What we can be sure of is that the premium of new energy vehicles has indeed risen, but the increase is how much, whether the policies of various regions and other brands have increased by the same proportion, the specific figures we cannot confirm.
It should be known that Tesla's body adopts an integrated structure, although it improves production efficiency, but in the follow-up car problem, it also brings great difficulties to maintenance, so that after it occurs, it is difficult to repair, but to use direct replacement of accessories to deal with. This is bound to bear more claim costs for insurance companies.
It is worth mentioning that Weilai Automobile, which also uses integrated aluminum alloys, has dropped its premium by 4%. Also declining is BYD Motors, which is also due to lower maintenance costs than the insurance company estimates.
Of course, the increase in premiums also has a lot to do with the insurance rate of the model, and we do not rule out the situation that the tesla model has a higher rate than other models. The overall premium formulation is given by the insurance company through big data, hiring professional actuaries and professionals to give according to the comprehensive evaluation of multiple aspects. Therefore, often the premium can also reflect the cost of a car in the later stage.
It is worth mentioning that this phenomenon is not the only one in The country. Due to Tesla's high accident rate and expensive maintenance costs, insurance companies in the US market and European markets also raised premiums for Tesla's single brand in the second quarter of this year. At present, The response of Chinese insurance companies seems to be somewhat sluggish.
At present, it seems that the rise in Tesla's premiums has been unavoidable, and the data given by the insurance company is that the loss rate of new energy vehicle insurance is generally more than 85%, which means that if the price is not adjusted, then the insurance company may face the risk of loss in the new energy vehicle insurance sector, which is obviously what the insurance company does not want to see. Tesla only considers its own production cost advantages, and does not care about the maintenance costs of the owner in the later use process. Then, pushing and shoving, this part of the cost naturally needs to be borne by the owner. All in all, the matter of insurance is indeed a car problem that Tesla owners need to face.